AFBI PE Ratio & Valuation,Is AFBI Overvalued

AFBI Relative Valuation

AFBI's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. If the market price exceeds this fair value range, AFBI is overvalued; if below, it's undervalued.

Historical Valuation

Affinity Bancshares Inc (AFBI) is now in the Fair zone, suggesting that its current forward PS ratio of 0.00 is considered Fairly compared with the five-year average of 0.00. The fair price of Affinity Bancshares Inc (AFBI) is between -- to -- according to relative valuation methord.

Relative Value

Fair Zone

-----

Current Price：20.10

Fair

0.00

EV/EBITDA

Affinity Bancshares Inc. (AFBI) has a current EV/EBITDA of 0.00. The 5-year average EV/EBITDA is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBITDA of 0.00 falls within the Strongly Undervalued range.

0.00

EV/EBIT

Affinity Bancshares Inc. (AFBI) has a current EV/EBIT of 0.00. The 5-year average EV/EBIT is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBIT of 0.00 falls within the Strongly Undervalued range.

0.00

Affinity Bancshares Inc. (AFBI) has a current PS of 0.00. The 5-year average PS is 0.02. The thresholds are as follows: Strongly Undervalued below -1.07, Undervalued between -1.07 and -0.53, Fairly Valued between 0.56 and -0.53, Overvalued between 0.56 and 1.10, and Strongly Overvalued above 1.10. The current Forward PS of 0.00 falls within the Historic Trend Line -Fairly Valued range.

0.00

P/OCF

Affinity Bancshares Inc. (AFBI) has a current P/OCF of 0.00. The 5-year average P/OCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/OCF of 0.00 falls within the Strongly Undervalued range.

0.00

P/FCF

Affinity Bancshares Inc. (AFBI) has a current P/FCF of 0.00. The 5-year average P/FCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/FCF of 0.00 falls within the Strongly Undervalued range.

Affinity Bancshares Inc (AFBI) has a current Price-to-Book (P/B) ratio of 1.00. Compared to its 3-year average P/B ratio of 0.91 , the current P/B ratio is approximately 9.65% higher. Relative to its 5-year average P/B ratio of 0.89, the current P/B ratio is about 12.33% higher. Affinity Bancshares Inc (AFBI) has a Forward Free Cash Flow (FCF) yield of approximately 7.98%. Compared to its 3-year average FCF yield of 5.48%, the current FCF yield is approximately 45.48% lower. Relative to its 5-year average FCF yield of 6.96% , the current FCF yield is about 14.57% lower.

1.00

P/B

Median3y

0.91

Median5y

0.89

7.98

FCF Yield

Median3y

5.48

Median5y

6.96

Competitors Valuation Multiple

The average P/S ratio for AFBI's competitors is 0.32, providing a benchmark for relative valuation. Affinity Bancshares Inc Corp (AFBI) exhibits a P/S ratio of 0.00, which is -100% above the industry average. Given its robust revenue growth of 4.79%, this premium appears unsustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

Revenue Growth

Market Cap

Performance Decomposition

Market capitalization of AFBI increased by 14.86% over the past 1 year. The primary factor behind the change was an increase in Margin Expansion from 23.84 to 29.15.

The secondary factor is the Revenue Growth, contributed 4.79%to the performance.

Overall, the performance of AFBI in the past 1 year is driven by Margin Expansion. Which is more sustainable.

4.79%

7.26M → 7.61M

Revenue Growth

22.27%

23.84 → 29.15

Margin Expansion

-12.20%

19.67 → 17.27

P/E Change

14.86%

17.50 → 20.10

Mkt Cap Growth

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Frequently Asked Questions

Is Affinity Bancshares Inc (AFBI) currently overvalued or undervalued?

What is Affinity Bancshares Inc (AFBI) fair value?

AFBI's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average , adjusted by weights. The fair price of Affinity Bancshares Inc (AFBI) is between to according to relative valuation methord.

How does AFBI's valuation metrics compare to the industry average?

The average P/S ratio for AFBI's competitors is 0.32, providing a benchmark for relative valuation. Affinity Bancshares Inc Corp (AFBI) exhibits a P/S ratio of 0.00, which is -100.00% above the industry average. Given its robust revenue growth of 4.79%, this premium appears unsustainable.

What is the current P/B ratio for Affinity Bancshares Inc (AFBI) as of Dec 15 2025?

As of Dec 15 2025, Affinity Bancshares Inc (AFBI) has a P/B ratio of 1.00. This indicates that the market values AFBI at 1.00 times its book value.

What is the current FCF Yield for Affinity Bancshares Inc (AFBI) as of Dec 15 2025?

As of Dec 15 2025, Affinity Bancshares Inc (AFBI) has a FCF Yield of 7.98%. This means that for every dollar of Affinity Bancshares Inc’s market capitalization, the company generates 7.98 cents in free cash flow.

What is the current Forward P/E ratio for Affinity Bancshares Inc (AFBI) as of Dec 15 2025?

As of Dec 15 2025, Affinity Bancshares Inc (AFBI) has a Forward P/E ratio of 0.00. This means the market is willing to pay $0.00 for every dollar of Affinity Bancshares Inc’s expected earnings over the next 12 months.

What is the current Forward P/S ratio for Affinity Bancshares Inc (AFBI) as of Dec 15 2025?

As of Dec 15 2025, Affinity Bancshares Inc (AFBI) has a Forward P/S ratio of 0.00. This means the market is valuing AFBI at $0.00 for every dollar of expected revenue over the next 12 months.

AFBI Valuation

AFBI Valuation

AFBI Relative Valuation

Historical Valuation

Competitors Valuation Multiple

Performance Decomposition

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Frequently Asked Questions

Is Affinity Bancshares Inc (AFBI) currently overvalued or undervalued?

What is Affinity Bancshares Inc (AFBI) fair value?

How does AFBI's valuation metrics compare to the industry average?

What is the current P/B ratio for Affinity Bancshares Inc (AFBI) as of Dec 15 2025?

What is the current FCF Yield for Affinity Bancshares Inc (AFBI) as of Dec 15 2025?

What is the current Forward P/E ratio for Affinity Bancshares Inc (AFBI) as of Dec 15 2025?

What is the current Forward P/S ratio for Affinity Bancshares Inc (AFBI) as of Dec 15 2025?